Meet Our Team

At AFS, we've built our team with individuals who have the highest standards for client communication and servicing. No matter who you interact with at AFS, you'll have the best experience possible.

Get Familiar With The AFS Team

Ahart, Frinzi & Smith has grown out of two family businesses begun in the early 1950s. Although much has expanded since then, we have never lost sight of the principles of service of a family business . Recognized as "One of the Leading Insurance Agencies in the United States" through The Best Practices Study by the Independent Insurance Agents of America, the agency has established itself as a friendly, professional business.

Currently, Ahart, Frinzi & Smith serves the insurance needs of thousands of individuals, families, and businesses. We are able to provide the typical home, life, auto, and investment products for the individual as well as the broad spectrum of insurance products needed for the largest corporate clients. Our business clients include everyone from the small, local contractor to the multi-state manufacturer.

Ahart, Frinzi & Smith is a Trusted Choice Agency, which means we can offer you a choice of insurance companies and customize a plan to meet your specialized needs. Most importantly our Trusted Choice Agency is not an employee of an insurance company, instead we have agents who work for you not the company.

Located in the rustic Harmony Township area of Phillipsburg, NJ, as well as in Alexandria, VA our offices include state of the art computer systems and equipment to provide prompt information and service. More importantly, our fine staff of insurance professionals provide that special "one on one" service that is so seldom found today.

thomas ahart

Thomas Ahart

Chairman and CEO
mark ahart

Mark Ahart

Jill Roth

Jill Roth

Executive Vice President

Charlie Frinzi

Chief Operating Officer

Lynette Knoble

EVP Customer Relations & NJ Branch Manager

Missy LeMar

NJ Assistant Branch Manager

Holly Ahart

Account Executive

Kevin Caetano

Commercial Lines Account Manager

Jacob Knoble

Commercial Lines Account Manager

Meghan LeMar

Account Manager

Arlene Scheetz

Personal Lines Account Manager

Michael Smith


Linda Vail

Personal Lines Account Manager

Christine Vandoren

Michelle Wolfe

Michelle Wolfe

Personal Lines Account Manager
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